Paranoid is being stuck or delayed without chip card? Only takes once to rethink need.
Same as Arrival+. So only differences now are:
$200 vs $400 signup bonus, $0 vs $89 annual fee, $25 vs $100 min redemption and 2 points on Travel and Dining only vs 2 points everywhere?
http://milestomemories.boardingarea....ffective-date/
Effective dates:
From Barclay rep (after several "let me check on that" interactions):
If account opened between October 1st 2014 and June 30 2015, then new terms effective August 15th
2016, else (before or after!) terms effective November 17th
2015. Note that those having the 11/17/2015 effective date can get a prorated AF refund until 11/3 if they close the account by then.